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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
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Pepper UK/engage mortgage/Mars Capital - excessive unlawful fees reclaim+Eviction


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Your lender is obliged to show you on request,

any third party invoices,

and the FSA has ruled it 'as unfair' if your lender then adds their own margin to this.

 

 

So for example on Solictors costs, only the actual cost can be added to the account.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Thanks on the case,

 

Il use that information as in the process of drafting letter to fax tomorrow morning to Mars capital.

 

BTW - I received our Warrant of Eviction at 12.30 today,

they are so efficient and on the ball,

eviction date set for 11th December 2009 @ 12.30, hand delivered

- didnt answer door tho.

 

I would appreciate any help possible with defence as this has to be watertight and strong,

please Ell-enn if you've got the time let me know your thoughts.

 

 

Spent the weekend thinking about the "hollow victory" remark made by the judge and I think I now got what he meant,

 

 

i think he was saying we can start the process all over again

ie. try to suspend the warrant and if that fails appeal again,

maybe thats what he was trying to say, who knows.

 

Im sending further info to the FOS and asking them to get there finger out

as we face losing our home,

i guess we've got to try everything.

 

Ok then guys signing out......

 

Take care all

Survivor

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Hiya All,

 

Getting paperwork together to sort out my defence.

 

 

Iev sent eviction notice etc to FOS, but havent heard since - we've still got time.

 

thanks for all your kind messages n support.

 

 

Not sure about the nerves of steel nevos but it aint over till its over right.

 

Will try and log on tmo.

 

Once again, thanks:)

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hiya all

 

on behalf of survivor

 

we need to do our defence this eve

 

we have written to mars requesting info on the breakdown of their charges, fees and solicitors fees

cheekily asked for copies of the invoices showing these amounts

 

we have updated Fos with other letter from mars,

advising us of the latest solicitors fees and charges,

plus a funny letter asking us to contact them or their solicitor to inform them of what amount we would be prepared to offer

 

we wrote back advising that we are already on a payment plan

and for them to advise us what they consider reasonable the amount they are seeking

and over what time period (in essence putting the ball back in their court)

 

the eviciton again is for the end of the week

-but we do not understand how as we have not failed in the payments from the dss

and our own small monthly amount plus the agreed extra amount for the arrears they are and can still persue this in a eviction

 

especially when the judge at the last hearing told us do not miss any payments and that it was a hollow victory for the claimant

how and why should they attempt to evict us yet again????

 

what do we put into our defense kind caggers again we need a direction to put this forward yet again for our defense

 

cheers look foward to your comments

- will look in again around 5pm to see if you have questions you need answering which i will try to answer on behalf of survivor

(they are having internet problems still)

 

cheers for now laters angel and thanks for looking in again x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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thanks daniela

 

im waiting to see if survivor comes tonight or if coming here now tomorrow morning, as we need to get this in by tomorrow latest i think it is

 

thanks for checking in, cheers angel x:)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya all

 

looks like its the morning now to get the stuff done

 

mind you we are sure to put it all together just am a bit worried now because not really sure what else we can put in other than what is happening now with the payments and that we still havent had clear and accurate figures for the true arrears figure

 

Mind you not sure what the post has delivered today at survivors house as not got to talk with them this eve

 

if anyone can view and see what you can advise us much appreciated

- anything else other than what i posted on my posts

 

cheer s and nite nite, will look in first thing early morning thanks angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi just seen this thread.

 

Angel1 / Survivor i see you are employed?

 

Your company may lend you the arrears money to be paid back out of your wages, you would need to speak to HR and see if they will help. Even half of the arrears maybe enough to swing this your way.

 

I have used this route with my company with 2 people in dire need of help. The company gave them interest free loans, payments taken out of their wages at a rate they could afford.

 

Sorry i haven't read the whole thread as i am at work with little time.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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thank you ukaviator for your post

 

unfortunately,

the actual mortgagee is the partner of survivor and now is unemployed and the interest payment of the mortgage is being paid by the dss

(survivor is working part time but is not on the mortgage, however she does work for a large organisation

- its a possibility we had not even thought or knew about, worth a shot to speak with HR for this )

 

so huge thanks

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Thank you on the case

 

we will give you some time to read our thread first thanks for your help

 

we will await for your kind resonce.

 

survivor and angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya on the case

can you help us please this morning at all trying to get our defense int and what your last post has said about the arrears are not to include the charges, we are facing this they do, where is the legislation that we can use to seperate the arrears from the charges, and make this part of our defence pls

survivor_13 and angel_1

 

Right regarding the arrears,

 

As I have always understood it, the actual arrears of Mortgage Payment is the difference between the total of the contracted monthly payment and the actual amount that you have paid.

 

So as an example your monthly mortgage payment is £100 per month (disregard any extra amounts agreed towards arrears) so in a year you should £1,200 but you miss three payments, so your actual arrears are £300.

 

Now the trick they pull is to add all the various fees and charges for being in arrears to the actual arrears figure.

As an example in month one of the arrears they charge you £30 for 'arrears management' you then make two normal payments and miss a payment, however you will have been charged £30 every month that you have been in arrears. So you miss 3 payments over 12 months but find that the claimed arrears are £300 plus 12x£30 £660.

To further confuse they will describe the £660 as payment shortfall or something similar.

 

Now your mortgage deed will contain a clause that allows the lender to collect any costs and charges, and they will try and argue that this turns them into arrears, not so.

 

The next trick is to apply any payments to paying the charges first and then the actual mortgage, this how people are puzzled to discover that they have been paying faithfully towards their arrears and yet the arrears have not gone down, or in some cases actually increased.

 

There is also the question of whether the charges are fair, but thats for another time.

 

If you say to the Judge that you disagree with the arrears claimed and that it appears to contain charges and costs, also that you have had difficulty working out the actual 'arrears of mortgage payments' because of the confusing way it is presented, then the Judge may, as he did in my case, order the Lender to provide a 'Full Statement of Account' to the court.

 

So the actual mortgage arrears are the difference between the mortgage payment due each month, and the actual amount paid each month.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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thank you for getting back to us on the case

 

its exactly how you have explained it that we have been trying to get them to only request the true mortgage arrears and not to include the charges but they continue to put the charges into the figure they present on all their documents

 

we feel that the charges and fees should be added to the mortgage capital and the arrears to be paid with the 150.00 we are paying as ordered by the judge in the may 09 hearing

 

but we thought there was legislation showing that only the arrears on the mortgage missed payments should be reflected in any eviction amount, there is still 20 years left on the mortgage

 

but its how do we show this again when we have never been given a breakdown of each charge, fee, and solicitors payments, we have asked for this on numerous occasions and still not been given the info so we have been working just on the mortgage account summary, for the last 12 months

 

thus we take away their charges from the total amount they claim and then this leaves us with what we believe as our true mortgage arrears.

 

we are going to complete the forms now - but we are concerned that this is now our 7 suspend eviction request

 

cheers survivor and angel

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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You are absolutely right in that the money you pay each month should first be applied to reducing the actual mortgage arrears and not the costs and charges. I believe it is in the FSA rules somewhere, give them a quick ring.

 

The Lender wants to present their case in their best interest, so inflating the arrears serves that purpose:mad:

Explain all to the Judge.

 

Dont worry about it being the 7th time each time is heard on its merits.

 

Good luck

 

I have go out now but will be back about 4.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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thanks again on the case

 

we are calling fsa now as on the moneymadeclear info - it states arrears are the monthly mortgage payment for each month that is needed to pay

 

the contracted amount that needs to be paid monthly

 

so we are now talking with the consumer team at the FSA

 

will update you in a bit

 

x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya all

 

not sure if anyone is about to help pls

 

survivor is at the local court to hand in the n244 form to fight the eviction and now is being told that since we had a previous appeal done in the higher court, her defence cannot be heard in the local court and has to go to the higher higher court for a hearing!

 

we are not sure of this anyone can throw any light?

 

we are not appealing the appeal of last time we are trying to suspend this new eviction order we have received

 

the woman at the court is awaiting on the higher court to call them back

 

survivor is really worried now because the solcitor we had last time didnt tell her that any further defences to any eviciton orders would need to be processed at a higher court - in fact the judge only said to keep up with the payments

 

so would appreciate your thoughts on this , understand that perhaps Ellen is out of the vicinty for a quick reply but anyone else can reply much appreciated

 

cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Thats a curved one :( and I cant help, my instinctive thought is that the eviction needs to stopped in the court that has jurisdiction over the bailiffs.

 

You do need a definitive answer from someone who knows.

 

If no answer by early evening alert the site team.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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thank you so much for your thoughts on the case

 

its surprised us too

 

the last appeal was in the high court -

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Has the county court office confirmed that they dont have jurisdiction?

Do you know where the nearest High Court is? There is still time for an emergency application, and they will hear a litigant in person, just a bit more scary.

 

Ell-enn has been on site this pm, wait for a while and then notify the site team.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Report acknowledged and flagged for team.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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hiya all

 

thank you so very much for your help - can update you all in about half an hour after collecting forms from local court has to go to quite a higher court in a city near us

 

bear with me and i will get some more info from survivor

 

cheers for looking in much appreciated

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi there, surely your application to suspend eviction should be heard in the court which issued the eviction notice, and as On the Case said, the same court where the bailiffs would execute the eviction warrant ?

 

You're not asking for a hearing to appeal the higher court decision - you're asking for a hearing to suspend an eviction notice.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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hiya all

 

a bit of an update

 

i actually went to the local court where survivor had tried earlier to put in her n244 form to defend the warrant of eviction

 

There she got told that as it was previously appealed it now has to go to a higher court -

 

when i went to collect the forms

 

i asked and was told that since the previous eviction order was not suspended but The Application to suspend the possession was dismissed on the hearing of the 7.10.09 an emergency appeal was then requested

 

 

this was attempted on the 8.10.09 but this equated that the judge asked for an adjournmen

t - then adjourned til the 13.10.09 - (( the Eviction date was the 9.10.09))

 

on the 13.10.09 it was ordered that

 

1- The warrant be adjourned on payment of current monthly installment as and when it falls due, plus the 150.00 per calandar month towards the arrears and charges of xxxx first payment of additional amount by 30.10.09.

 

2 -The court directs that a transcript be prepared of DJ xxx of 8.10.09 by 6.11.09

 

3. matter to be relisted on the first open date after 9.11.09 before a Circuit Judge at City county court time est 45mins.

 

4. costs reserved.

****************************************

 

Now the forms we are being asked to complete is headed as

 

Appellant's notice (All apeals except small claims track appeals).

 

Seciton 1 - Details of the claim or case you are appealing against.

The form at the bottom is N161 Appellant's notice

 

 

**************

 

survivor is here with me now - looking for the eviction order to look at the paperwork

Edited by angel_1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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